Impact Vouchers, Loyalty & HR Incentives Platform · Rwanda & East Africa

Every purchase funds a cause you believe in

With ❤️ Pay connects customers, merchants, and NGOs in a single ecosystem where every transaction automatically donates to charity — at no extra cost to anyone.

500+

Partner Merchants

60+

Supported NGOs

100K+

Transactions

Languages

Join Our Growing Community 📬

Get early access, solidarity updates, and be the first to know when new merchants and NGOs join.

Create a free account to subscribe to solidarity updates and early access.

How it works

A transparent, automatic impact on every transaction

💳

You pay at a partner shop

Pay your invoice or purchase using your With ❤️ Pay wallet.

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Impact splits automatically

5% goes to shop savings (loyalty) · 5% donated to your NGO · Merchant gets the rest.

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Everyone wins

You save on future purchases. The NGO receives real funds. The merchant keeps loyal customers.

Choose your account type

Each account is tailored to your specific needs

Customer / Individual

Pay. Save. Give back.

Pay at partner shops & earn loyalty rewards
Auto-donate to your favourite NGO on every purchase
Top up via MTN MoMo, Airtel Money or Card
View & pay invoices from your wallet
Shop savings redeemable on next visit

Merchant / Business

Sell smarter. Impact more.

Send digital invoices to customers instantly
Accept wallet payments & loyalty redemptions
Scan customer QR codes at the cashier
Connect your POS, EBM or ERP via API
Sponsor NGOs → reduce your platform fee to $0

NGO / Association

Grow donations. Track impact.

Receive automatic micro-donations from every merchant payment
Run fundraising campaigns with a public page
Real-time dashboard of donors & contributions
Automated monthly email reports
Start with a 14-day Free Trial — no card needed

HR / Incentive Org

Issue gift & service-advantage cards to your employees

Bulk gift card distribution
Service-advantage cards with merchant restrictions
Member privacy-protected reporting
Flexible yearly or monthly subscription
Localized member notifications

Insurance Company

Offer insurance products to HR organizations with solidarity discounts

Create insurance products (health, life, auto, etc.)
Review HR enrollment requests
Upload affiliation cards & contracts
10% solidarity discount split: HR loyalty + NGO
Validate medical provider claims

Medical Provider

Hospital, clinic, or diagnostic center — validate & bill insurance

Validate member insurance coverage in real-time
Bill insurance directly (no upfront cost to patient)
Manage co-pays when coverage is exhausted
Track claims and reimbursement status
Join the healthcare provider network

Marketing Freelancer

Distribute campaign vouchers from local shops and earn on every redemption

Select shops to promote and generate voucher codes
Share codes via WhatsApp, social media, or email
Earn 5% commission on every redemption
Track earnings and request payouts
Free plan: 1 shop, up to 10 active vouchers

Platform Admin

Manage the whole ecosystem.

Full visibility of all merchants, NGOs & users
Validate & approve registrations with document review
Manage settlements, audit logs & exchange rates
Handle complaints & assign to staff
Invite-only — contact the platform team

Secure & Transparent

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End-to-end encrypted

All transactions and personal data are fully encrypted.

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Regulated settlements

Merchant and NGO settlements processed on the 25th of each month.

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Full audit trail

Every action is logged. Admins can audit the full history.

Data Protection Notice: With ❤️ Pay processes your personal data in compliance with the EU General Data Protection Regulation (GDPR) and applicable local data protection laws. By creating an account you consent to the processing of your data for account management, identity verification, and payment processing. You have the right to access, rectify, or delete your data — contact our Data Protection Officer to exercise these rights.